Call reports 2005
CITIZENS BANK OF CUMBERLAND COUNTY, INC. — 2005
What CITIZENS BANK OF CUMBERLAND COUNTY, INC. reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 88,510,000 | 88,012,000 | 87,770,000 | 86,538,000 |
| Total loans | 75,742,000 | 74,624,000 | 73,529,000 | 72,634,000 |
| Allowance for loan losses | 862,000 | 880,000 | 903,000 | 901,000 |
| Securities available for sale | 4,246,000 | 4,369,000 | 4,155,000 | 5,104,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,385,000 | 60,957,000 | 61,899,000 | 60,203,000 |
| Interest-bearing deposits | 54,388,000 | 56,838,000 | 57,103,000 | 56,105,000 |
| Noninterest-bearing deposits | 3,997,000 | 4,119,000 | 4,796,000 | 4,098,000 |
| Equity capital | 6,899,000 | 6,668,000 | 7,098,000 | 7,466,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,392,000 | 2,806,000 | 4,249,000 | 5,749,000 |
| Interest expense | 533,000 | 1,108,000 | 1,703,000 | 2,322,000 |
| Net interest income | 859,000 | 1,698,000 | 2,546,000 | 3,427,000 |
| Noninterest income | 60,000 | 140,000 | 231,000 | 313,000 |
| Noninterest expense | 438,000 | 853,000 | 1,269,000 | 1,695,000 |
| Provision for loan losses | 87,000 | 121,000 | 159,000 | 267,000 |
| Pretax income | 394,000 | 864,000 | 1,349,000 | 1,778,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 394,000 | 864,000 | 1,349,000 | 1,778,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,905,000 | 6,613,000 | 7,088,000 | 7,507,000 |
| Total capital | 7,672,000 | 7,364,000 | 7,855,000 | 8,272,000 |
| Risk-weighted assets | 60,527,000 | 59,973,000 | 61,242,000 | 61,101,000 |